# Connecticut HB 06435: AN ACT CONCERNING THE INSURANCE DEPARTMENT'S AUTOMOBILE PHYSICAL AND PROPERTY DAMAGE ARBITRATION PROCESS.

Connecticut HB 06435, AN ACT CONCERNING THE INSURANCE DEPARTMENT'S AUTOMOBILE PHYSICAL AND PROPERTY DAMAGE ARBITRATION PROCESS., is a 2025 Regular Session House bill sponsored by Insurance and Real Estate Committee; status signed, last action 2025-07-08 (Signed by the Governor); PRIA reads it as touching household money (as of 2026-10-17).

- Canonical: https://policyrisk.com/state-bill/CT-HB06435-2025
- As of: 2026-10-17
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: Connecticut HB 06435
- State: Connecticut
- Session: 2025 Regular Session
- Title: AN ACT CONCERNING THE INSURANCE DEPARTMENT'S AUTOMOBILE PHYSICAL AND PROPERTY DAMAGE ARBITRATION PROCESS.
- Status: signed
- Chamber: House
- Introduced: 2025-01-23
- Last action: 2025-07-08, Signed by the Governor
- Sponsor: Insurance and Real Estate Committee
- Cosponsors: 0
- Subjects: insurance and real estate
- Touches household money: yes
- Roll calls: 3 (196 yes, 1 no in all)
- Economic provisions PRIA read: 1

## Summary

To require that any insurance company involved in any automobile physical or property damage arbitration hearing reimburse the cost of such hearing if the arbitration award is in the claimant's favor, unless such claimant rejected such insurance company's prearbitration offer of compromise of equal or greater value than the arbitration award.

## Bill overview: provisions PRIA read

- Insurers repay costs after claimants win: benefit, low. Beginning October 1, 2025, insurers must repay Connecticut’s Insurance Department for hearing costs when claimants win auto damage arbitration. This covers disputes over vehicle damage and property damage liability claims. Repayment is not required if the claimant rejected the insurer’s prearbitrat…

## Sponsors and cosponsors

- Sponsor: Insurance and Real Estate Committee

## Roll call votes

| Date | Chamber | Motion | Result | Yes | No | Other |
| --- | --- | --- | --- | --- | --- | --- |
| 2025-02-20 | House | INS Vote Tally Sheet (Joint Favorable Substitute) | pass | 12 | 1 |   |
| 2025-02-20 | Senate | Senate Roll Call Vote 416 | pass | 36 | 0 |   |
| 2025-02-20 | House | House Roll Call Vote 322 | pass | 148 | 0 |   |

## Actions (19)

- 2025-07-08: Signed by the Governor (legislature)
- 2025-06-25: Transmitted by Secretary of the State to Governor (legislature)
- 2025-06-25: Transmitted to the Secretary of State (legislature)
- 2025-06-16: Public Act 25-131 (legislature)
- 2025-06-04: On Consent Calendar / In Concurrence (legislature)
- 2025-06-04: Senate Passed (Senate)
- 2025-06-03: Senate Calendar Number 614 (Senate)
- 2025-06-03: Favorable Report, Tabled for the Calendar, Senate (Senate)
- 2025-06-03: Transmitted Pursuant To Joint Rule 17 (legislature)
- 2025-06-03: House Passed (House)
- 2025-03-06: File Number 52 (legislature)
- 2025-03-06: House Calendar Number 60 (House)
- 2025-03-06: Favorable Report, Tabled for the Calendar, House (House)
- 2025-03-06: Reported Out of Legislative Commissioners' Office (legislature)
- 2025-02-28: Referred to Office of Legislative Research and Office of Fiscal Analysis 03/05/25 5:00 PM (legislature)
- 2025-02-20: Filed with Legislative Commissioners' Office (legislature)
- 2025-02-20: Joint Favorable Substitute (legislature)
- 2025-01-24: Public Hearing 01/28 (legislature)
- 2025-01-23: Referred to Joint Committee on Insurance and Real Estate (legislature)

## Bill text

- Public Act No. 25-131, 2025-06-03: [PDF](https://www.cga.ct.gov/2025/ACT/PA/PDF/2025PA-00131-R00HB-06435-PA.PDF)
- File No. 52, 2025-03-06: [PDF](https://www.cga.ct.gov/2025/FC/PDF/2025HB-06435-R000052-FC.PDF)
- INS Joint Favorable Substitute, 2025-02-20: [PDF](https://www.cga.ct.gov/2025/TOB/H/PDF/2025HB-06435-R01-HB.PDF)
- Raised Bill, 2025-01-23: [PDF](https://www.cga.ct.gov/2025/TOB/H/PDF/2025HB-06435-R00-HB.PDF)
- Bill Analysis For File Copy 52: [PDF](https://www.cga.ct.gov/2025/BA/PDF/2025HB-06435-R000052-BA.PDF)
- Fiscal Note For File Copy 52: [PDF](https://www.cga.ct.gov/2025/FN/PDF/2025HB-06435-R000052-FN.PDF)
- House Roll Call Vote 322: [PDF](https://www.cga.ct.gov/2025/VOTE/H/PDF/2025HV-00322-R00HB06435-HV.PDF)
- INS Joint Fav. Rpt: [PDF](https://www.cga.ct.gov/2025/JFR/H/PDF/2025HB-06435-R00INS-JFR.PDF)
- INS Vote Tally Sheet (Joint Favorable Substitute): [PDF](https://www.cga.ct.gov/2025/TS/H/PDF/2025HB-06435-R00INS-CV8-TS.PDF)
- Senate Roll Call Vote 416: [PDF](https://www.cga.ct.gov/2025/VOTE/S/PDF/2025SV-00416-R00HB06435-SV.PDF)
- Summary for Public Act No. 25-131: [PDF](https://www.cga.ct.gov/2025/SUM/PDF/2025SUM00131-R01HB-06435-SUM.PDF)

## Related bills

- HB 05013: AN ACT ADDING CERTAIN PLANTS TO THE INVASIVE PLANTS LIST. (signed)
- SB 01558: AN ACT CONCERNING INCOME TAXES IMPOSED BY OTHER JURISDICTIONS ON RESIDENTS OF THE STATE. (signed)
- SB 01396: AN ACT CONCERNING EARNED BUT UNPAID WAGE OR SALARY INCOME ADVANCES. (signed)
- SB 01187: AN ACT CONCERNING FORECLOSURE, ASSIGNMENT AND OTHER ENFORCEMENT ACTIONS FOR UNPAID SEWER ASSESSMENTS AND OTHER FEES AND CHARGES. (signed)
- HB 07236: AN ACT CONCERNING HUMAN TRAFFICKING AND SEXUAL ASSAULT VICTIMS. (signed)
- HB 07192: AN ACT IMPLEMENTING RECOMMENDATIONS OF THE BIPARTISAN DRUG TASK FORCE. (signed)

## Sources
- [Public Act No. 25-131 (PDF)](https://www.cga.ct.gov/2025/ACT/PA/PDF/2025PA-00131-R00HB-06435-PA.PDF)
- [File No. 52 (PDF)](https://www.cga.ct.gov/2025/FC/PDF/2025HB-06435-R000052-FC.PDF)
- [INS Joint Favorable Substitute (PDF)](https://www.cga.ct.gov/2025/TOB/H/PDF/2025HB-06435-R01-HB.PDF)
- [Raised Bill (PDF)](https://www.cga.ct.gov/2025/TOB/H/PDF/2025HB-06435-R00-HB.PDF)
- [Bill Analysis For File Copy 52 (PDF)](https://www.cga.ct.gov/2025/BA/PDF/2025HB-06435-R000052-BA.PDF)
- [Fiscal Note For File Copy 52 (PDF)](https://www.cga.ct.gov/2025/FN/PDF/2025HB-06435-R000052-FN.PDF)
- [House Roll Call Vote 322 (PDF)](https://www.cga.ct.gov/2025/VOTE/H/PDF/2025HV-00322-R00HB06435-HV.PDF)
- [INS Joint Fav. Rpt (PDF)](https://www.cga.ct.gov/2025/JFR/H/PDF/2025HB-06435-R00INS-JFR.PDF)
- [INS Vote Tally Sheet (Joint Favorable Substitute) (PDF)](https://www.cga.ct.gov/2025/TS/H/PDF/2025HB-06435-R00INS-CV8-TS.PDF)
- [Senate Roll Call Vote 416 (PDF)](https://www.cga.ct.gov/2025/VOTE/S/PDF/2025SV-00416-R00HB06435-SV.PDF)
- [Summary for Public Act No. 25-131 (PDF)](https://www.cga.ct.gov/2025/SUM/PDF/2025SUM00131-R01HB-06435-SUM.PDF)

## Related
- [HB 05013: AN ACT ADDING CERTAIN PLANTS TO THE INVASIVE PLANTS LIST.](https://policyrisk.com/state-bill/CT-HB05013-2025)
- [SB 01558: AN ACT CONCERNING INCOME TAXES IMPOSED BY OTHER JURISDICTIONS ON RESIDENTS OF T…](https://policyrisk.com/state-bill/CT-SB01558-2025)
- [SB 01396: AN ACT CONCERNING EARNED BUT UNPAID WAGE OR SALARY INCOME ADVANCES.](https://policyrisk.com/state-bill/CT-SB01396-2025)
- [SB 01187: AN ACT CONCERNING FORECLOSURE, ASSIGNMENT AND OTHER ENFORCEMENT ACTIONS FOR UNP…](https://policyrisk.com/state-bill/CT-SB01187-2025)
- [HB 07236: AN ACT CONCERNING HUMAN TRAFFICKING AND SEXUAL ASSAULT VICTIMS.](https://policyrisk.com/state-bill/CT-HB07236-2025)
- [HB 07192: AN ACT IMPLEMENTING RECOMMENDATIONS OF THE BIPARTISAN DRUG TASK FORCE.](https://policyrisk.com/state-bill/CT-HB07192-2025)
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Source: PRIA, https://policyrisk.com/state-bill/CT-HB06435-2025 (as of 2026-10-17).